Posted on 03/14/2017 1:21:17 AM PDT by cotton1706
Still has the mandate and still have the pre-existing conditions bit. The first impoverishes the lower and middle classes, the second will kill the insurance industry. Both together will force single payer, probably by greatly extended Medicaid.
That goes for the person on the receiving end as well. If they are that worried about it then they can carry the insurance to protect them against uninsured drivers - happens in some states now anyway. Also happens in states with requirements already where people still don’t carry the insurance. In the end the insurance company pays just depends on who picks up the premium.
As you said driving is a privilege - that includes both parties not just the one causing harm. No one is forcing the injured party to drive either.
I always err on the side of liberty - mandates detract from that.
-PJ
Pre-Xs need to be in the HRP.
Sure you can. If they're not paying for it, it's not insurance, it's welfare.
Look at how many lost their coverage because of "Obamacare".
You cannot just pull insurance from 15 million people.
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Sure you can. If they’re not paying for it, it’s not insurance, it’s welfare.
Look at how many lost their coverage because of “Obamacare”.
Excellent reply, Rock!! Bravo!!
they chose not to buy insurance. Before under obmacare, they were forced under penalty of law to purchase insurance that had little value. They paid premiums but the deductible was so high there was no insurance except for catastrophic incidents
It is probable that the coverage of such catastrophic coverage under the new law now will be much less expensive.
The insurance will not be pulled but voluntarily surrendered
I think we're pretty much of one accord on this. I'm not talking about mandates in any direction. We should leave it up to the company and/or individual. Personally, I'd much rather handle this on my own through normal market mechanisms. The problem is, the market has been distorted for literally decades because of perverse tax incentives, that it's going to be really difficult getting to that.
The only problem with the scenario that I would like to see is how do you handle pre-existing conditions. For instance, lets say you have health insurance, you have something happen to you, say a cancer diagnosis. While you are going through treatment, the insurance company goes bankrupt, out of business. What happens to people in that situation?
Another thing, lets say you have a heart attack and recover. How long is that a pre-existing condition? 5 years? 10 years? Also, if you are under that scenario (a pre-existing condition) and are insured, are you now locked into your plan forever? No matter what? Because if you go shopping for a different insurance you have a pre-existing condition and no one else wants to cover you. Not only is the insurance company stuck, but so are you.
I think the best way to solve this is the idea of states aggregating these risk pools, whereby insurance companies in order to do business in the state have to make available health care coverage to a certain amount of the people in the high risk pool.
Many people would say, well that’s their tough luck etc.. I would only say, wait until your Mom or Dad or Sister, brother or wife ends up having a pre-existing condition and gets locked into not only wrestling with a disease, but the health insurance on top of it. It’s an issue that will affect all of us one way or another. Most of the time, it’s not people who never had health insurance, get sick and then want health insurance. Many times it is responsible people that get into this situation.
I don't know what you'd do about it when a company goes bankrupt, but then, what normally happens to people who are dealing with companies that go bankrupt? They probably are on their way to getting screwed.
Many people would say, well that’s their tough luck etc.. I would only say, wait until your Mom or Dad or Sister, brother or wife ends up having a pre-existing condition and gets locked into not only wrestling with a disease, but the health insurance on top of it. It’s an issue that will affect all of us one way or another. Most of the time, it’s not people who never had health insurance, get sick and then want health insurance. Many times it is responsible people that get into this situation.
Been there. WifeofZeugma (a fellow Freeper) passed a bit under 2 years ago after having fought breast cancer for 5 years. She dealt with the insurance company for most of it, because she knew the ins and outs of how to maximize what they would pay. The real secret to dealing with the entire situation though, was that we actually had insurance. If we'd not been insured, we'd have been SOL, and I'd probably have ended up completely broke. I've had insurance pretty much continuously for 30 years, mostly through work, though there were some times I'd had to COBRA it to bridge between terms.
What I object to, because the market simply can't handle it, is people who go bare for years, if not decades, then whine because they aren't covered when they finally buy "insurance" because they know something major is coming.
Again, like car insurance, you can't get into a wreck, and then buy insurance and expect the company to pay for it.
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